The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,591
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,947
−HK$1,377/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$49,143
+HK$2,819/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,795
−HK$1,319/mo
Today · 4.125%
HK$51,114
baseline
▲ 0.50% · 4.625%
HK$53,808
+HK$2,694/mo
Deposit HK$9.56M · loan HK$9.56M · min. income ≈ HK$102,228/mo (50% DSR)
Upfront cash ≈ HK$10.28M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,309
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$53,936
−HK$1,653/mo
Today · 4.125%
HK$55,589
baseline
▲ 0.50% · 4.625%
HK$58,971
+HK$3,382/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$111,178/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,193
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,754
−HK$1,583/mo
Today · 4.125%
HK$61,337
baseline
▲ 0.50% · 4.625%
HK$64,570
+HK$3,233/mo
Deposit HK$7.65M · loan HK$11.47M · min. income ≈ HK$122,674/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,027
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,925
−HK$1,929/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,800
+HK$3,946/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$129,708/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,892
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,713
−HK$1,847/mo
Today · 4.125%
HK$71,560
baseline
▲ 0.50% · 4.625%
HK$75,332
+HK$3,772/mo
Deposit HK$5.73M · loan HK$13.38M · min. income ≈ HK$143,120/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,463
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,904
−HK$2,479/mo
Today · 4.125%
HK$83,383
baseline
▲ 0.50% · 4.625%
HK$88,457
+HK$5,074/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$166,766/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,289
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,630
−HK$2,375/mo
Today · 4.125%
HK$92,005
baseline
▲ 0.50% · 4.625%
HK$96,855
+HK$4,850/mo
Deposit HK$1.91M · loan HK$17.20M · min. income ≈ HK$184,010/mo (50% DSR)
Upfront cash ≈ HK$2.63M (deposit + AVD stamp duty HK$716,870 · Scale 2, in force from 26 Feb 2026)